Ana-María Florea Andrei is an accomplished International Business Manager in Digital Banking & Innovation at Banco Santander, where roles since December 2016 have included leading financial operations for global clients, implementing risk assessment frameworks, and optimizing processes for international expansion. Previous positions involved managing financial operations for a large workforce and developing personalized financial plans for selective clients, enhancing investment returns. Earlier experience includes an internship at BBVA en España, focusing on investment banking and corporate finance. Ana-María holds an MBA from EAE Business School, as well as certifications in international trade, financial advisory, and a Bachelor's degree in Business and Administration from Universidad de Alcalá.